American Express Business Gold Card vs. Bank of America Travel Rewards credit card
On the criteria below, American Express Business Gold Card wins 3 of 4. The verdict depends on which criteria matter to you.
American Express Business Gold Card
Amex
Bank of America Travel Rewards credit card
Bank of America
American Express Business Gold Card wins 3 of 4 criteria here, making it the stronger all-rounder.
American Express Business Gold Card wins on first-year math, earning ceiling, and travel insurance; Bank of America Travel Rewards credit card wins on annual fee.
Pick the American Express Business Gold Card if year-one math is your priority; take the Bank of America Travel Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
3 vs 1- First-year math American Express Business Gold Card
American Express Business Gold Card wins on bonus value minus annual fee.
- Annual fee Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card is $375 cheaper to keep.
- Earning ceiling American Express Business Gold Card
American Express Business Gold Card earns more on its best category (4× vs 3×).
- Travel insurance American Express Business Gold Card
American Express Business Gold Card carries built-in travel insurance.
By the numbers
- Annual fee
- $375
- Free
- Welcome offer (typical value)
- $3,200
- —
- First-year net
- +$2,825
- +$0
- Peak earning rate
- 4×
- 3×
- Top categories
- Advertising, Dining, Electronics
- Travel
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- American Express Membership Rewards
- Bank of America Travel Rewards Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.